Personal Home Loans and Mortgages

Personal Home Loan Mortgages

Easy Home Loans

As a homeowner, you will want to get the best value for the home loan you choose. This way you can successfully manage your finances without any hassles. We give you all the details you need in making an informed decision that fits your financial and personal needs perfectly. 

Buying A Home

We walk you through the things to consider when looking to buy a new home. Covering everything from market values to the finer details of deciding on the right home mortgage loans. We have got you covered every step of the way. Welcome to your personal guide on all the things to keep in mind as a homeowner.

Qualify for your home loan See How Much You May Qualify To Borrow

The options for home loans open to you depend on a few things. Browse through our site to find out what you need in order to qualify for the loan you want.

Our Brokerage Team

Stella Lindley

Mortgage Broker

With over 20 years of experience as a professional mortgage broker, Stella Lindley will give you the best advice based on your financial and personal needs. Her expertise in the field will ensure that you have the right guidance.

Donald Martin

Mortgage Broker

Donald Martin has a vast network of lenders that he is acquainted with. With his connections, he can find the right lenders for you to make sure you get the best options in the market when it comes to home loan mortgages. 

Gaby Williams

Mortgage Broker

Specializing in real estate transactions, Gaby Williams will efficiently take care of all your legal paperwork when it comes to applying for a home loan. Her expertise in the market will let you rest easy as the best choices are presented to you in an easy to understand manner.

Find The Best Loans

Making the right choice on which home loan to get does not have to be something yo worry about. We will walk you through all your options and help you make the right decision. Working directly with the best mortgage brokers, we give you the proper tools to move forward with your plans.

Get The Best Rates

The best mortgage loan rates are at the tip of your fingers. We work directly with you to discuss all the options so you can make an informed decision that benefits all involved. We pride ourselves in making sure our clients are happy with the rates assigned to them by making sure they are the best in the industry.

5 Tips For Finding The Best Mortgage Lender

Deciding on the right mortgage lender is an important part of the home owning or home buying process. This process can easily be considered one of the heavier decisions you will make. This is because small differences among different lenders’ rates can have a big difference on your loan. With that said, finding someone not only to help layout your options but also someone who will inform you well. The mortgage lender you choose should be able to translate the finer details and list down all the possibilities of your options. Here are 5 tips to follow when choosing the right mortgage lender.


Find Out What Lenders Look For
Applying for mortgage financing means taking an in-depth look into every aspect of your finances. This means taking a look at how you save and spend money. Understanding their language will give you the advantage when picking the best mortgage lender for your needs when it comes to being a homeowner. Lenders tend to focus on your credit score, your debt-income-ratio, and your ability to pay the required down payments. In this case, knowing all you can about these aspects and discuss them thoroughly with your prospected lender.


Have A Mortgage In Mind
Before jumping into your final decision for a mortgage lender, take the time to browse the different mortgage types. Make sure to compile a list of possibilities beforehand so you have an idea of which will suit you best. Each mortgage loan has its own minimum requirements, and with that will depend mainly on your ability to meet them. Knowing your options will make your conversation with your prospective mortgage lender smoother. You may even land your first choice if you choose the right person.


Work With Multiple Lenders
Finding the best mortgage lender is like looking for the best product to suit your needs. You do not always go for your first choice. When it comes to choosing the right mortgage lender, it is a good idea to contact several different types and get a feel for how they handle business. Compare their offerings and rates so you can get a better sense of how the market works. Look for competitive offers that fit your goals and do not be afraid to ask questions. In the end, you should always request or a quote and their strategy moving forward. Having all this information will help you make the best choice.


The Person Not The Company
One thing to keep in mind is to carefully consider the person you are working with directly and not the company as a whole. A mortgage companies review may be great, but you may find yourself working with someone with minimal experience. In such cases, you should always look into the individual’s capability to guide you and give you the necessary information. Having trust and expertise are two crucial aspects your lender should have. The mortgage lender you decide on will have a big impact on your overall experience, and of course, you want it to be a good one.


Vet Carefully
When deciding, make sure to make a thorough vetting process. The best lenders may not have the lowest rates, and those with low rates may not be the best. Consider ease of understanding, valuable tips, experience, and proper licensing and compliance. All in all, there is no set and proper way to choose a lender, but what you can control is the information you get. Always strive to be ass informed ass possible.

 

 

Make Your Home Purchase Dream Come True

Feel free to contact us!

Working hours

Monday- Thursday:8:00-18:30 Hrs
(Phone until 17:30 Hrs)
Friday - 8:00-14:00

We are here

1973 Saint Marys Avenue, Georgetown, NY
Phone: 315-837-5421
Fax:+44 20 8859 6598
Email: mosbey@phlm.com